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AllProPay
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AllProPay vs Clover

An honest, side-by-side look using each provider's publicly published pricing. Clover is a capable all-in-one POS. Here is where each one fits, and what you actually pay.

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Side by side

Published rates and terms. Verify current pricing on each provider's site.

AllProPay vs Clover, based on publicly published standard pricing as of June 2026.
 AllProPayClover
Pricing modelThree programs: Dual Pricing, interchange-plus, or AllPro Rebate. We recommend the one that fits after going over your statement with you.Flat rate, sold through many banks and resellers as an all-in-one POS.
In-person rateBased on your statement. We show you the number.2.3% to 2.6% + 10¢, varies by plan.
Keyed or online rateSet by the program that fits, and itemized.3.5% + 10¢ for keyed and online.
Software and hardwareTransparent. No locked hardware.Monthly software roughly $15 to $300+; hardware $500 to $1,800 per device, locked to Clover.
Can you see your true cost?Yes. Every fee is itemized.No. Blended rate, plus separate software and hardware costs.
Contracts or cancellation feesNone.Frequently a 36-month contract with an early termination fee of $500 or more. Verify your agreement.
Free review of your current feesYes, no obligation.Not offered.
SupportA real person who knows your account.Varies by the bank or reseller you signed through.
Best forOwner-operated businesses taking payments in person and online.Businesses that want a full all-in-one POS ecosystem with lots of apps.

When Clover is the right call

Clover is a genuinely capable all-in-one POS. If you want one connected system that runs your register, inventory, employees, and reporting, with a large app marketplace to add features, Clover does that well. For a business that wants a full POS ecosystem and is comfortable with the hardware and software commitment, Clover may be the right fit, and we’ll tell you so.

Where AllProPay fits better

The multi-year contract, the early termination fee, and the hardware locked to Clover are the opposite of how we work. AllProPay has no contracts and no cancellation fees, offers Dual Pricing, interchange-plus, or AllPro Rebate, whichever fits your business, so you see the real cost, and doesn’t lock your hardware. We put the real number in front of you, give you a person to call, and help you switch without downtime.

One $100 debit tap, two receipts: $2.40 with Clover's published rate vs $0.77 with AllProPay interchange-plus Two receipts for the same $100 debit card tap, headed by the comparison $2.40 vs $0.77. Clover's published in-person rate of 2.3% plus 10 cents gives a $2.40 processing fee, the same fee a premium rewards card would pay. The AllProPay receipt lists the sale of $100.00, debit, tapped; the card cost for a big-bank debit card, $0.27; our markup at an example 0.50%, $0.50; and a fee on this sale of $0.77. Example: a debit card from a large bank, where the Federal Reserve caps the card cost at 21 cents plus 0.05% plus 1 cent. Cards from smaller banks cost more. Your markup is on your proposal. Illustration, not a quote. Clover 2.3% + 10¢ $2.40 2.3% of $100 is $2.30, plus 10¢ Published standard pricing as of June 2026. $0.27 Our markup (example 0.50%) $0.50 $0.77 27¢ card cost, plus 50¢ markup ONE $100 DEBIT TAP Same sale, same everyday debit card. Two ways to price it. vs Fee on the same $100 debit tap Published flat rate vs interchange-plus, with an example markup. FLAT RATE Published in-person rate Sale $100.00 Card Debit, tapped Rate Processing fee The same fee a premium rewards card would pay. INTERCHANGE-PLUS AllProPay Follows the real cost of each card Sale (debit, tapped) $100.00 Card cost (interchange, big-bank debit) Fee on this sale A rewards card costs more. You see how much. SAME FEE, ANY CARD Debit costs less to accept A flat rate charges the same price on a cheap debit card as on a premium rewards card, so you cannot see what you actually pay. It depends on your card mix and how you sell. Interchange-plus shows you the true card-brand cost plus a clear, fixed markup. Verify current pricing on each provider's site. AllProPay side: illustration, not a quote. Example: a debit card from a large bank, where the Federal Reserve caps the card cost at 21¢ + 0.05% + 1¢. Cards from smaller banks cost more. Your markup is on your proposal. Illustration, not a quote. LEGEND One flat rate, every card Real cost of the card, set by the banks Fixed markup, the part you compare

Common questions

Is AllProPay cheaper than Clover?
It depends on your plan and card mix. Clover's processing rate is a blended flat rate, and on top of it you usually pay monthly software fees and buy hardware that is locked to Clover, so the true cost is hard to see. AllProPay offers Dual Pricing, interchange-plus, or AllPro Rebate, whichever fits your business, and itemizes every fee. The honest way to know is a free statement review of your current fees.
Does Clover lock you into a contract?
Clover is sold through many banks and resellers, and those agreements frequently include a 36-month contract with an early termination fee of $500 or more. Verify your specific agreement. AllProPay has no contracts and no cancellation fees.
Can I move my Clover hardware to AllProPay?
Clover devices are generally locked to Clover, so they don’t move to another processor. AllProPay doesn’t lock your hardware, and we help you switch with no downtime. Pricing and terms change, so verify current details.

The honest way to compare

Send us one recent statement. We’ll show you exactly what you pay now and whether switching makes sense. If it doesn’t, we’ll tell you that too.

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